Main features and Further information of Regulatory

Sumitomo Mitsui Trust Holdings, Inc.

Main features and Further information of Regulatory Capital Instruments

as of March 31, 2013

Main features and further information of our regulatory capital instruments as of March 31, 2013 are described from the next page according to the following 5 classes. 1. Common Stock

P. 2

2. Stock Acquisition Right

P. 3 to P. 4

3. Minority Interest

P. 5

4. Preferred Stock / Preferred Security

P. 6 to P. 29

5. Subordinated Debt

P. 30 to P. 143

[Notes regarding “8 Amount recognized in regulatory capital”] The amounts shown in “main features” of “8 Amount recognized in regulatory capital” regarding each regulatory capital instrument are the ones before considering the cap under transitional arrangements, while those classified as Preferred Stock / Preferred Security and Subordinated Debt contain eligible Tier 1/ Tier2 capital instruments subject to phase out from Additional Tier 1/ Tier2 capital. Regarding the amounts after considering the cap, each of the total amounts is shown as “eligible Tier 1/Tier2 capital instruments subject to phase out from Additional Tier 1/Tier2 capital” in separately disclosed “Composition of capital as of March 31, 2013”. * This document is prepared for the purpose of regulatory disclosure of capital adequacy ratio (Pillar 3) and

is not for the purpose of soliciting investment or engaging in any other similar activities within or outside of Japan.

1

＜Common Stock -1＞

Main features and further information of regulatory capital instruments as of March 31, 2013

[Sumitomo Mitsui Trust Holdings, Inc.] <Main features>

1 Issuer Sumitomo Mitsui Trust Holdings, Inc. 2 Unique Identifier ISIN: JP3892100003 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Common Equity Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) Common Equity Tier1 Capital 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Common stock 8 Amount recognized in regulatory capital

Consolidated capital adequacy ratio 1,582,746 million yen Non-consolidated capital adequacy ratio -

9 Par value of instrument - 10 Accounting classification

Consolidated balance sheet Shareholders’ Equity Non-consolidated balance sheet -

11 Original date of issuance - 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Not applicable 15 First call date and redemption amount -

Trigger for special early redemption and redemption amount - 16 Description on subsequent call dates - Dividends / coupons 17 Fixed or floating dividend / coupon - 18 Coupon rate and any related index - 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Fully discretionary 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in

subordination hierarchy in liquidation Preferred stock

36 Non-compliant transitioned features Not applicable 37 Description on non-compliant features -

<Further information>

The common stock mentioned above is the standard type of stock of Sumitomo Mitsui Trust Holdings, Inc. (the “Company”) issued in accordance with the Companies Act of Japan, the rights of which are not limited. The Company has adopted the unit share system and conferred one voting right per 1,000 shares of common stock.

2

＜Stock Acquisition Right -1＞



1 Issuer Sumitomo Mitsui Trust Holdings, Inc. 2 Unique Identifier - 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Common Equity Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) Common Equity Tier1 Capital 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Sumitomo Mitsui Trust Holdings, Inc. Series 1

stock acquisition rights 8 Amount recognized in regulatory capital

Consolidated capital adequacy ratio 15 million yen Non-consolidated capital adequacy ratio -


Consolidated balance sheet Subscription Rights to Shares Non-consolidated balance sheet -

11 Original date of issuance July 26, 2011 (Allotment Date) 12 Perpetual or dated Dated 13 Original maturity date July 25, 2021 (Expiration Date of exercise

period) 14 Issuer call Not applicable 15 First call date and redemption amount -




Note: Items 14 to 37 are description on our shares of common stock that are the subject of the stock acquisition rights.

<Further information> Type and number of shares that are the subject of the stock acquisition rights 286,000 shares of common stock Exercise price 400 yen per share Exercise period July 26, 2013 to July 25, 2021

3

＜Stock Acquisition Right -2＞



1 Issuer Sumitomo Mitsui Trust Holdings, Inc. 2 Unique Identifier - 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Common Equity Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) Common Equity Tier1 Capital 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Sumitomo Mitsui Trust Holdings, Inc. Series 2

stock acquisition rights 8 Amount recognized in regulatory capital

Consolidated capital adequacy ratio 3 million yen Non-consolidated capital adequacy ratio -


Consolidated balance sheet Subscription Rights to Shares Non-consolidated balance sheet -

11 Original date of issuance July 18, 2012 (Allotment Date) 12 Perpetual or dated Dated 13 Original maturity date July 17, 2022 (Expiration Date of exercise

period) 14 Issuer call Not applicable 15 First call date and redemption amount -




Note: Items 14 to 37 are description on our shares of common stock that are the subject of the stock acquisition rights.

<Further information> Type and number of shares that are the subject of the stock acquisition rights 260,000 shares of common stock Exercise price 400 yen per share Exercise period July 18, 2014 to July 17, 2022

4

＜Minority Interest -1＞



1 Issuer Japan Trustee Service Bank, Ltd Nikko Asset Management Co., Ltd. Sumitomo Mitsui Trust Panasonic Finance Co., Ltd. and 5 other companies

2 Unique Identifier - 3 Governing law(s) of the instrument Japanese Law (6 companies)

Cayman Islands Law (2 companies) Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Common Equity Tier1 Capital

Additional Tier1 Capital Tier2 Capital

5 Post-transitional Basel III rules (on or after March 31, 2022) Common Equity Tier1 Capital Additional Tier1 Capital Tier2 Capital

6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Common Stock 8 Amount recognized in regulatory capital

Consolidated capital adequacy ratio Common Equity Tier1 Capital: 31,026 million yen Additional Tier1 Capital: 13,526 million yen Tier2 Capital: 2,660 million yen

Non-consolidated capital adequacy ratio - 9 Par value of instrument - 10 Accounting classification

Consolidated balance sheet Minority Interests Non-consolidated balance sheet -

11 Original date of issuance - 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Not applicable 15 First call date and redemption amount -

Trigger for special early redemption and redemption amount - 16 Description on subsequent call dates - Dividends / coupons 17 Fixed or floating dividend / coupon - 18 Coupon rate and any related index - 19 Existence of a dividend stopper - 20 Fully discretionary, partially discretionary or mandatory - 21 Existence of step up or other incentive to redeem - 22 Noncumulative or cumulative - 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in

subordination hierarchy in liquidation Ordinary debt


<Further information>

-

5

<Preferred Stock / Preferred Security-1>



1 Issuer Sumitomo Mitsui Trust Holdings, Inc. 2 Unique Identifier - 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type First series of Class VII preferred stock 8 Amount recognized in regulatory capital

Consolidated capital adequacy ratio 109,000 million yen Non-consolidated capital adequacy ratio -

9 Par value of instrument 109,000 million yen 10 Accounting classification

Consolidated balance sheet Shareholders’ Equity Non-consolidated balance sheet -

11 Original date of issuance April 1, 2011 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: the day separately provided by

the Board of Directors, which is on or after October 1, 2014 Redemption Amount: the amount obtained by adding 1,000 yen per share to the amount equivalent to the accrued dividend

Trigger for special early redemption and redemption amount - 16 Description on subsequent call dates - Dividends / coupons 17 Fixed or floating dividend / coupon Fixed 18 Coupon rate and any related index 42.30 yen per annum. 19 Existence of a dividend stopper Applicable 20 Fully discretionary, partially discretionary or mandatory Fully discretionary 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in

subordination hierarchy in liquidation Subordinated debt

36 Non-compliant transitioned features Applicable 37 Description on non-compliant features Loss absorbency at the point of non-viability

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<Preferred Stock / Preferred Security-1> <Further information> The preferred stock mentioned above is the stock issued in accordance with the Companies Act of Japan that will rank senior to common stock as to payment of dividends from surplus and distribution of residual assets and has the characteristics as follows:

Preferred dividends In the case of payment of dividends from surplus, Sumitomo Mitsui Trust Holdings, Inc. (the “Company”) shall pay to the preferred shareholders or the registered preferred stock pledgees, in preference to the common shareholders or the registered common stock pledgees, the prescribed cash dividends from surplus, subject to the restriction on financial resources (distributable amount) as provided for by the Companies Act of Japan. If the amount of dividends from surplus paid to the preferred shareholders or the registered preferred stock pledgees is less than the amount of the preferred dividends in any fiscal year, such deficiency shall not be carried over for accumulation to the subsequent fiscal years. The Company shall not pay dividends in excess of the amount of the preferred dividends to the preferred shareholders or the registered preferred stock pledgees.

Right to request distribution of residual assets

In the case of distribution of residual assets by the Company, the preferred shareholders or registered preferred stock pledgees shall have the right to request distribution of residual assets in the amount of one thousand (1,000) yen per share of the preferred stock, in preference to the common shareholders or registered common stock pledgees. No liquidation distribution of residual assets shall be made to the preferred shareholders or the registered preferred stock pledgees in excess of the amount stated above.

Voting rights The preferred shareholders or preferred stock pledgees shall not be entitled to vote at a general meeting of shareholders; provided, however, that the preferred shareholders shall have one voting right per unit (number of shares constituting one unit: 1,000 shares) from such time as (i) the holding of the ordinary general meeting of shareholders if an agendum to the effect that the preferred dividends shall be paid to the preferred shareholders is not submitted at such meeting or (ii) the closing of the ordinary general meeting of shareholders if such agendum is rejected at such meeting, through the time when the resolution is made to the effect that the preferred dividends shall be paid to the preferred shareholders.

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1 Issuer MTH Preferred Capital 3 (Cayman) Limited 2 Unique Identifier ISIN：KYG631941070 3 Governing law(s) of the instrument Cayman Islands Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Noncumulative perpetual preferred securities 8 Amount recognized in regulatory capital




11 Original date of issuance March 24, 2003 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 25, 2013

Redemption Amount: 1,000,000 yen per security

Trigger for special early redemption and redemption amount Trigger: Tax event or Capital event Redemption Amount: 1,000,000 yen per security (together with accrued dividend to the date of redemption, if any)

16 Description on subsequent call dates Subsequent call date: any dividend payment date (January 25 and July 25) in July 2013 and thereafter Redemption Amount: 1,000,000 yen per security

Dividends / coupons 17 Fixed or floating dividend / coupon Floating 18 Coupon rate and any related index 3.86% per annum. *1

Floating rate based on 6 month JPY LIBOR 19 Existence of a dividend stopper Applicable 20 Fully discretionary, partially discretionary or mandatory Partially discretionary 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in



*1 The weighted average (rounded off to two decimal places) of dividend rates applicable to the same type of securities is shown for the noncumulative perpetual preferred securities issued under the private placement.

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<Further information> The preferred securities mentioned above are the preferred securities issued by overseas special purpose companies and have all of the following characteristics: Noncumulative permanent preferred contribution; Unsecured, fully-paid and subordinated to other indebtedness; and Issue proceeds are immediately and unlimitedly available funds and are able to absorb losses of Sumitomo Mitsui Trust

Holdings, Inc. (the “Company”) and any subsidiary of the Company on a going-concern basis. Various special provisions, etc., have been attached to the preferred securities mentioned above. The summary of such special provisions, etc. are as follows: Details of dividend payment The Issuer, an overseas special purpose company, shall pay dividends, up to the

distributable amount of the Company, using a calculation equivalent to dividend payment on the preferred stock of the Company. If the Company has paid dividends to its common stock for the immediately preceding fiscal year, the dividends on the preferred securities shall be fully paid, in principle; provided, however, that no dividends on the preferred securities shall be paid in the prescribed cases, including the case where the Company did not pay dividends to its preferred stock for such immediately preceding fiscal year or where the capital adequacy ratio or Tier 1 capital ratio falls below than the regulatory minimum standards.


The holders of the preferred securities shall have the right to request distribution of residual assets, which ranks pari passu with such right conferred with respect to the preferred stock of the Company.

Optional redemption Special provisions are provided that allow the Issuer to redeem the preferred securities at its option on the prescribed redeemable date (from, and including, the day on which the five (5) year period has elapsed from the issue date), subject to the prior approval of the financial regulatory authority and prior notice to the holders of the preferred securities.

Extraordinary optional redemption due to a capital event

Special provisions are provided that allow the Issuer to redeem the preferred securities at its option at any time upon the occurrence of any capital event (where any raised funds are disqualified or are likely to be disqualified as regulatory capital as a result of any change or amendment, etc., to the capital adequacy requirements, etc.), subject to the prior approval of the financial regulatory authority and prior notice to the holders of the preferred securities.

Extraordinary optional redemption due to a tax event

Special provisions are provided that allow the Issuer to redeem the preferred securities at its option at any time upon the occurrence of any tax event (including the case where the Issuer receives a legal opinion to the effect that any additional expenses arise or are likely to arise as result of any change or amendment, etc., in taxation), subject to the prior approval of the financial regulatory authority and prior notice to the holders of the preferred securities.

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1 Issuer MTH Preferred Capital 4 (Cayman) Limited 2 Unique Identifier ISIN：KYG631852046 3 Governing law(s) of the instrument Cayman Islands Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Noncumulative perpetual preferred securities 8 Amount recognized in regulatory capital









Floating rate based on 6 month JPY LIBOR 19 Existence of a dividend stopper Applicable 20 Fully discretionary, partially discretionary or mandatory Partially discretionary 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in



*1 The weighted average (rounded off to two decimal places) of dividend rates applicable to the same type of securities is shown for the noncumulative perpetual preferred securities issued under the private placement.

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1 Issuer MTH Preferred Capital 5 (Cayman) Limited 2 Unique Identifier ISIN：XS0288243271 3 Governing law(s) of the instrument Cayman Islands Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Noncumulative perpetual preferred securities 8 Amount recognized in regulatory capital








Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index

3.02% per annum.(Fixed) Before the payment date in July 2017:

Thereafter: Floating rate based on 6 month JPY LIBOR

19 Existence of a dividend stopper Applicable 20 Fully discretionary, partially discretionary or mandatory Partially discretionary 21 Existence of step up or other incentive to redeem Applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in



12

<Preferred Stock / Preferred Security-4> <Further information>

The preferred securities mentioned above are the preferred securities issued by overseas special purpose companies and have all of the following characteristics: Noncumulative permanent preferred contribution; Unsecured, fully-paid and subordinated to other indebtedness; and Issue proceeds are immediately and unlimitedly available funds and are able to absorb losses of Sumitomo Mitsui Trust










13




1 Issuer CMTH Preferred Capital 6 (Cayman) Limited 2 Unique Identifier ISIN：XS0344407191 3 Governing law(s) of the instrument Cayman Islands Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Noncumulative perpetual preferred securities 8 Amount recognized in regulatory capital




11 Original date of issuance February 15, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 25, 2018










14












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1 Issuer CMTH Preferred Capital 7 (Cayman) Limited 2 Unique Identifier ISIN：XS0395694853 3 Governing law(s) of the instrument Cayman Islands Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Noncumulative perpetual preferred securities

(Series A) 8 Amount recognized in regulatory capital




11 Original date of issuance December 16, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 25, 2019










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1 Issuer CMTH Preferred Capital 7 (Cayman) Limited 2 Unique Identifier ISIN：XS0395874679 3 Governing law(s) of the instrument Cayman Islands Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc. 7 Instrument Name / type Noncumulative perpetual preferred securities

(Series B) 8 Amount recognized in regulatory capital




11 Original date of issuance December 16, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 25, 2019







19 Existence of a dividend stopper Applicable 20 Fully discretionary, partially discretionary or mandatory Partially discretionary 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in



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1 Issuer STB Preferred Capital 2 (Cayman) Limited 2 Unique Identifier ISIN：XS0236958046 3 Governing law(s) of the instrument Cayman Islands Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Additional Tier1 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.

Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type Noncumulative perpetual preferred securities 8 Amount recognized in regulatory capital




11 Original date of issuance December 7, 2005 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: January 25, 2013



16 Description on subsequent call dates Subsequent call date: any dividend payment date (January 25 and July 25) in January 2013 and thereafter Redemption Amount: 10,000,000 yen per security


2.80% per annum.(Fixed) Before the payment date in January 2016:





20


<Further information> The preferred securities mentioned above are the preferred securities issued by overseas special purpose companies and have all of the following characteristics: Noncumulative permanent preferred contribution; Unsecured, fully-paid and subordinated to other indebtedness; and Issue proceeds are immediately and unlimitedly available funds and are able to absorb losses of Sumitomo Mitsui Trust Bank,

Limited (“SMTB”), a subsidiary of Sumitomo Mitsui Trust Holdings, Inc., and any subsidiary of SMTB on a going-concern basis.

Various special provisions, etc., have been attached to the preferred securities mentioned above. The summary of such special provisions, etc. are as follows: Details of dividend payment The Issuer, an overseas special purpose company, shall pay dividends, up to the

distributable amount of SMTB, using a calculation equivalent to dividend payment on the preferred stock of SMTB. If SMTB has paid dividends to its common stock for the immediately preceding fiscal year, the dividends on the preferred securities shall be fully paid, in principle; provided, however, that no dividends on the preferred securities shall be paid in the prescribed cases, including the case where SMTB did not pay dividends to its preferred stock for such immediately preceding fiscal year or where the capital adequacy ratio or Tier 1 capital ratio falls below the regulatory minimum standards.


The holders of the preferred securities shall have the right to request distribution of residual assets, which ranks pari passu with such right conferred with respect to the preferred stock of SMTB.






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Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type Noncumulative perpetual preferred securities

(Series A) 8 Amount recognized in regulatory capital




11 Original date of issuance June 24, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 25, 2018










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Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type Noncumulative perpetual preferred securities

(Series B) 8 Amount recognized in regulatory capital




11 Original date of issuance June 24, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 25, 2018










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11 Original date of issuance December 18, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: January 25, 2014



16 Description on subsequent call dates Subsequent call date: any dividend payment date (January 25 and July 25) in January 2014 and thereafter Redemption Amount: 10,000,000 yen per security


4.99% per annum.(Fixed) Before the payment date in January 2014:





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<Subordinated Debt-1>



1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP351850A2M6 (JP90BZ0000N3,

JP90BZ0000M5, JP90BZ0000L7) 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.

Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type The Chuo Mitsui Trust and Banking Company,

Limited #2 (Subordinated bond) 8 Amount recognized in regulatory capital



Consolidated balance sheet Liability Non-consolidated balance sheet -

11 Original date of issuance September 25, 2002 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: September 25, 2022

Redemption Amount: Par (100% of the aggregate principal amount)

Trigger for special early redemption and redemption amount Not applicable 16 Description on subsequent call dates Subsequent call date: any interest payment

date (March 25 and September 25) in September 2022 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in September 2022: Floating rate based on 10 year JPY swap rate Thereafter: Floating rate based on 6 month JPY LIBOR

19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Partially discretionary 21 Existence of step up or other incentive to redeem Applicable 22 Noncumulative or cumulative Cumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in

subordination hierarchy in liquidation Ordinary debt (all liabilities other than subordinated debt)


*1 The weighted average (rounded off to two decimal places) of interest rates applicable to the same type of subordinated debt is shown for the subordinated debt issued under the private placement. 30

<Subordinated Debt-1> < Further information >

The subordinated debt mentioned above has all of the following characteristics: Unsecured, fully-paid and subordinated to other indebtedness; and If a maturity date is fixed, the period commencing from the issue date and ending on the maturity date shall be five (5) years

or more. Special provisions, etc., have been attached to the subordinated debt mentioned above. The summary of such special provisions are as follows:

Deferral of interest Special provisions are provided that allow for the postponement of interest payment obligations if any event occurs that leads to a deferral of interest in respect of the Issuer; (i) there is no distributable amount, (ii) capital adequacy ratio thereof is less than 50% of the regulatory minimum requirement, or (iii) insolvency or, as a result of interest payments of the subordinated debt mentioned above, becoming insolvent.

Subordination Special provisions are provided to the effect that, if any subordination event ((i) commencement of bankruptcy proceedings has been determined and such proceedings are pending, (ii) commencement of corporate reorganization proceedings has been determined and such proceedings are pending, (iii) commencement of civil rehabilitation proceedings (excluding simplified rehabilitation and consensual rehabilitation proceedings) has been determined and such proceedings are pending, or (iv) any other similar insolvency proceedings are made in any country other than Japan by an equivalent method set forth in (i) through (iii) above) occurs to the Issuer, a claim for the payment of principal and interest shall be subject to the conditions precedent that all claims having priority must be paid in full prior to the claim for the payment of principal and interest, and only when the conditions precedent are fulfilled shall the claim for the payment of principal and interest become effective.

Optional redemption Special provisions are provided that allow the Issuer to redeem the subordinated debts at its option on the prescribed redeemable date (from, and including, the day on which the five (5) year period has elapsed from the issue date), subject to the prior approval of the financial regulatory authority and prior notice to creditors.

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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500A350 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.

Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type The Sumitomo Trust and Banking Company,





11 Original date of issuance May 23, 2003 12 Perpetual or dated Dated 13 Original maturity date May 22, 2013 14 Issuer call Not applicable 15 First call date and redemption amount -

Trigger for special early redemption and redemption amount - 16 Description on subsequent call dates - Dividends / coupons 17 Fixed or floating dividend / coupon Fixed 18 Coupon rate and any related index 1.37% per annum. 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in



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11 Original date of issuance February 12, 2004 12 Perpetual or dated Dated 13 Original maturity date February 12, 2014 14 Issuer call Not applicable 15 First call date and redemption amount -




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or more. Various special provisions, etc., have been attached to the subordinated debt mentioned above. The summary of such special provisions are as follows:


35










11 Original date of issuance April 28, 2004 12 Perpetual or dated Dated 13 Original maturity date April 28, 2014 14 Issuer call Not applicable 15 First call date and redemption amount -




36



or more. Various special provisions, etc., have been attached to the subordinated debt mentioned above. The summary of such special provisions are as follows:


37










11 Original date of issuance January 28, 2005 12 Perpetual or dated Dated 13 Original maturity date January 28, 2015 14 Issuer call Not applicable 15 First call date and redemption amount -




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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：US17133PAA66, USJ0753MAA83 3 Governing law(s) of the instrument US Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.

Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type Subordinated bond (USD) 8 Amount recognized in regulatory capital


9 Par value of instrument 71,379 million yen (759 million USD) 10 Accounting classification


11 Original date of issuance February 24, 2005 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: April 15, 2015


Trigger for special early redemption and redemption amount Trigger: Tax event Redemption Amount: Par (100% of the aggregate principal amount (together with accrued interest to the date of redemption and arrears of interest, if any))

16 Description on subsequent call dates Subsequent call date: any interest payment date (January 15, April 15, July 15 and October 15) in April 2015 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)

Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index Before the payment date in April 2015:

5.506% per annum. (Fixed) Thereafter: 3 month USD LIBOR plus 2.49% (Floating)




40








Special provisions are provided that allow the Issuer to redeem the subordinated debts at its option at any time upon the occurrence of any tax event (including the case where the interest payments of the subordinated debt mentioned above shall not be recognized as deductible expenses regarding calculation of corporation tax of the Issuer as result of any change or amendment, etc., in taxation), subject to the prior approval of the financial regulatory authority and prior notice to the creditors.

41














42





43














44





45




1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500B648 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.










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50





51




1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier - 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.

Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type Subordinated loan 8 Amount recognized in regulatory capital




11 Original date of issuance September 28, 2007 12 Perpetual or dated Dated 13 Original maturity date September 30, 2022 14 Issuer call Applicable 15 First call date and redemption amount First call date: the last day of September, 2017



date (the last day of March and September) in September 2017 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)

Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index 2.37% per annum. *1

Before the interest payment date in September 2017: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR

19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in



*1 The weighted average (rounded off to two decimal places) of interest rates applicable to the same type of subordinated debt is shown for the subordinated debt issued under the private placement.

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11 Original date of issuance September 28, 2007 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: October 1, 2014



16 Description on subsequent call dates Subsequent call date: any interest payment date (April 1 and October 1) in October 2014 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in October 2014: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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11 Original date of issuance December 26, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: December 26, 2018



16 Description on subsequent call dates Subsequent call date: any interest payment date (June 26 and December 26) in December 2018 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in December 2018: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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11 Original date of issuance December 26, 2008 12 Perpetual or dated Dated 13 Original maturity date December 28, 2020 14 Issuer call Applicable 15 First call date and redemption amount First call date: December 28, 2015


Trigger for special early redemption and redemption amount Not applicable 16 Description on subsequent call dates Not applicable Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index 2.37% per annum. *1






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61











Trigger for special early redemption and redemption amount Not applicable 16 Description on subsequent call dates Not applicable Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index 2.37% per annum. *1






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date (June 29 and December 29) in December 2013 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)







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11 Original date of issuance March 6, 2009 12 Perpetual or dated Dated 13 Original maturity date March 6, 2019 14 Issuer call Applicable 15 First call date and redemption amount First call date: March 6, 2014



date (March 6 and September 6) in March 2014 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in March 2014: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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11 Original date of issuance April 30, 2009 12 Perpetual or dated Dated 13 Original maturity date April 30, 2019 14 Issuer call Applicable 15 First call date and redemption amount First call date: the last day of April , 2014



date (the last day of April and October) in April 2014 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Floating rate based on 6 month JPY LIBOR 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in




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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP351850A9H1 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance May 15, 2009 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: May 15, 2019



date (May 15 and November 15) in May 2019 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in May 2019: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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11 Original date of issuance May 29, 2009 12 Perpetual or dated Dated 13 Original maturity date May 29, 2019 14 Issuer call Applicable 15 First call date and redemption amount First call date: May 29, 2014




Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index Before the interest payment date in May 2014:

2.14% per annum. (Fixed) Thereafter: 6 month JPY LIBOR plus 2.65% (Floating)




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11 Original date of issuance May 29, 2009 12 Perpetual or dated Dated 13 Original maturity date May 29, 2019 14 Issuer call Applicable 15 First call date and redemption amount First call date: May 29, 2014




Dividends / coupons 17 Fixed or floating dividend / coupon Floating 18 Coupon rate and any related index Before the interest payment date in May 2014:

6 month JPY LIBOR plus 1.15% Thereafter: 6 month JPY LIBOR plus 2.65%




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11 Original date of issuance September 30, 2009 12 Perpetual or dated Dated 13 Original maturity date September 30, 2019 14 Issuer call Applicable 15 First call date and redemption amount First call date: the last day of September, 2014



date (the last day of March and September) in September 2014 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)







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11 Original date of issuance October 30, 2009 12 Perpetual or dated Dated 13 Original maturity date The last day of October, 2021 14 Issuer call Applicable 15 First call date and redemption amount First call date: the last day of October, 2016



date (the last day of April and October) in October 2016 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in October 2016: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP351850A9C2 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance December 18, 2009 12 Perpetual or dated Dated 13 Original maturity date January 28, 2020 14 Issuer call Applicable 15 First call date and redemption amount First call date: January 28, 2015



date (January 28 and July 28) in January 2015 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)

Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index Before the interest payment date in January

2015: 1.51% per annum. (Fixed) Thereafter: 6 month JPY LIBOR plus 2.23% (Floating)




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83




1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP351850B9C1 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.










Dividends / coupons 17 Fixed or floating dividend / coupon Floating 18 Coupon rate and any related index Before the interest payment date in January

2015: 6 month JPY LIBOR plus 0.73% Thereafter: 6 month JPY LIBOR plus 2.23%




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85









11 Original date of issuance April 30, 2010 12 Perpetual or dated Dated 13 Original maturity date The last day of April, 2020 14 Issuer call Applicable 15 First call date and redemption amount First call date: the last day of April, 2015


Trigger for special early redemption and redemption amount Trigger: Capital event Redemption Amount: Par (100% of the aggregate principal amount (together with accrued interest to the date of redemption, if any)

16 Description on subsequent call dates Subsequent call date: any interest payment date (the last day of April and October) in April 2015 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)

Dividends / coupons 17 Fixed or floating dividend / coupon Fixed 18 Coupon rate and any related index 2.37% per annum. *1 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in




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Special provisions are provided that allow the Issuer to redeem the subordinated debts at its option at any time upon the occurrence of any capital event (where any raised funds are disqualified or are likely to be disqualified as regulatory capital as a result of any change or amendment, etc., to the capital adequacy requirements, etc.), subject to the prior approval of the financial regulatory authority and prior notice to the creditors.

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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500AA76 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance July 23, 2010 12 Perpetual or dated Dated 13 Original maturity date July 23, 2020 14 Issuer call Not applicable 15 First call date and redemption amount -




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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500AAB0 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance November 11, 2010 12 Perpetual or dated Dated 13 Original maturity date November 11, 2020 14 Issuer call Not applicable 15 First call date and redemption amount -




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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP351850AAC3 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.










Dividends / coupons 17 Fixed or floating dividend / coupon Fixed to Floating 18 Coupon rate and any related index Before the interest payment date in January

2016: 1.17% per annum. (Fixed) Thereafter: 6 month JPY LIBOR plus 0.50% (Floating)

19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in



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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP351850BAC1 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance December 10, 2010 12 Perpetual or dated Dated 13 Original maturity date January 28, 2021 14 Issuer call Not applicable 15 First call date and redemption amount -




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95




1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500AB67 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance June 15, 2011 12 Perpetual or dated Dated 13 Original maturity date June 15, 2026 14 Issuer call Not applicable 15 First call date and redemption amount -




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97




1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500AB91 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance September 28, 2011 12 Perpetual or dated Dated 13 Original maturity date September 28, 2026 14 Issuer call Not applicable 15 First call date and redemption amount -




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11 Original date of issuance November 17, 2011 12 Perpetual or dated Dated 13 Original maturity date November 17, 2026 14 Issuer call Applicable 15 First call date and redemption amount Not applicable

Trigger for special early redemption and redemption amount Trigger: Capital event (callable only after November 17, 2021) Redemption Amount: Par (100% of the aggregate principal amount (together with accrued interest to the date of redemption, if any)

16 Description on subsequent call dates Not applicable Dividends / coupons 17 Fixed or floating dividend / coupon Fixed 18 Coupon rate and any related index 2.37% per annum. *1 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in




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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500AC33 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.






11 Original date of issuance March 22, 2012 12 Perpetual or dated Dated 13 Original maturity date March 22, 2022 14 Issuer call Not applicable 15 First call date and redemption amount -




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11 Original date of issuance August 31, 2012 12 Perpetual or dated Dated 13 Original maturity date August 29, 2025 14 Issuer call Applicable 15 First call date and redemption amount First call date: March 31, 2022







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105




1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：XS0822332457 3 Governing law(s) of the instrument English Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.

Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type Subordinated bond (Euro-Yen) 8 Amount recognized in regulatory capital




11 Original date of issuance September 5, 2012 12 Perpetual or dated Dated 13 Original maturity date March 31, 2025 14 Issuer call Applicable 15 First call date and redemption amount First call date: March 31, 2022



date (the last day of March and September) in March 2022 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)

Dividends / coupons 17 Fixed or floating dividend / coupon Fixed 18 Coupon rate and any related index 2.37% per annum. *1 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in




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11 Original date of issuance September 11, 2012 12 Perpetual or dated Dated 13 Original maturity date September 11, 2025 14 Issuer call Applicable 15 First call date and redemption amount Not applicable

Trigger for special early redemption and redemption amount Trigger: Capital event (callable only after March 31, 2022) Redemption Amount: Par (100% of the aggregate principal amount (together with accrued interest to the date of redemption, if any)





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1 Issuer Sumitomo Mitsui Trust Bank, Limited 2 Unique Identifier ISIN：JP340500AC90 3 Governing law(s) of the instrument Japanese Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.

Sumitomo Mitsui Trust Bank, Limited 7 Instrument Name / type Sumitomo Mitsui Trust Bank, Limited #1

(Subordinated bond) 8 Amount recognized in regulatory capital




11 Original date of issuance September 20, 2012 12 Perpetual or dated Dated 13 Original maturity date September 20, 2022 14 Issuer call Not applicable 15 First call date and redemption amount -




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11 Original date of issuance September 28, 2012 12 Perpetual or dated Dated 13 Original maturity date The last day of September, 2025 14 Issuer call Applicable 15 First call date and redemption amount First call date: March 31, 2022







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11 Original date of issuance October 31, 2012 12 Perpetual or dated Dated 13 Original maturity date October 31, 2025 14 Issuer call Applicable 15 First call date and redemption amount First call date: March 31, 2022


Trigger for special early redemption and redemption amount Not applicable 16 Description on subsequent call dates Not applicable Dividends / coupons 17 Fixed or floating dividend / coupon Fixed 18 Coupon rate and any related index 2.37% per annum. *1 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Mandatory 21 Existence of step up or other incentive to redeem Not applicable 22 Noncumulative or cumulative Noncumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in




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1 Issuer STB Finance Cayman Limited 2 Unique Identifier ISIN：XS0245183883 3 Governing law(s) of the instrument English Law Regulatory treatment 4 Transitional Basel III rules (before March 31, 2022) Tier2 Capital 5 Post-transitional Basel III rules (on or after March 31, 2022) - 6 Entity which recognizes this instrument in regulatory capital Sumitomo Mitsui Trust Holdings, Inc.





11 Original date of issuance February 22, 2006 12 Perpetual or dated Dated 13 Original maturity date February 22, 2021 14 Issuer call Applicable 15 First call date and redemption amount First call date: February 22, 2016


Trigger for special early redemption and redemption amount Trigger: Tax event Redemption Amount: Par (100% of the aggregate principal amount (together with accrued interest to the date of redemption, if any))

16 Description on subsequent call dates Subsequent call date: any interest payment date (February 22 and August 22) in February 2016 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in February 2016: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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or more. Special provisions, etc., have been attached to the subordinated debt mentioned above. The summary of those special provisions are as follows:

Subordination Special provisions are provided to the effect that, if any subordination event ((i) commencement of bankruptcy proceedings has been determined and such proceedings are pending, (ii) commencement of corporate reorganization proceedings has been determined and such proceedings are pending, (iii) commencement of civil rehabilitation proceedings (excluding simplified rehabilitation and consensual rehabilitation proceedings) has been determined and such proceedings are pending, or (iv) any other similar insolvency proceedings are made in any country other than Japan by an equivalent method set forth in (i) through (iii) above) occurs to the Issuer, a claim for the payment of principal and interest shall be subject to the conditions precedent that all claims having priority must be paid in full prior to the claim for the payment of principal and interest, and only when the conditions precedent are fulfilled shall the claim for the payment of principal and interest become effective. The payment of the principal and interest, etc., of the subordinated debt mentioned above has been secured by a subordinated guarantee by Sumitomo Mitsui Trust Bank, Limited, a subsidiary of Sumitomo Mitsui Trust Holdings, Inc.; however, a subordination clause is provided with respect to the claim for that guarantee.



Special provisions are provided that allow the Issuer to redeem the subordinated debts at its option at any time upon the occurrence of any tax event (where any additional expenses arise as result of any change or amendment, etc., in taxation), subject to the prior approval of the financial regulatory authority and prior notice to the creditors.

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11 Original date of issuance June 21, 2006 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: June 21, 2013



date (June 21 and December 21) in June 2013 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Floating rate based on 6 month JPY LIBOR 19 Existence of a dividend stopper Not applicable 20 Fully discretionary, partially discretionary or mandatory Partially discretionary 21 Existence of step up or other incentive to redeem Applicable 22 Noncumulative or cumulative Cumulative 23 Convertible feature Not applicable 24 Convertible trigger - 25 Full or partial conversion - 26 Conversion rate - 27 Mandatory or optional conversion - 28 Instrument type convertible into - 29 Issuer of instrument convertible into - 30 Write-down feature Not applicable 31 Write-down trigger - 32 Full or partial write-down - 33 Temporary write-down (write up) - 34 Description of write-up mechanism - 35 Instrument name or type immediately senior to this instrument in




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Deferral of interest Special provisions are provided that allow for the postponement of interest payment obligations if any event that leads to a deferral of interest occurs in respect of Sumitomo Mitsui Trust Bank, Limited (“SMTB“), a subsidiary of Sumitomo Mitsui Trust Holdings, Inc.; (i) there is no distributable amount, (ii) capital adequacy ratio thereof is less than 50% of the regulatory minimum requirement, or (iii) insolvency or, as a result of interest payments of the subordinated debt mentioned above, becoming insolvent.

Subordination Special provisions are provided to the effect that, if any subordination event ((i) commencement of bankruptcy proceedings has been determined and such proceedings are pending, (ii) commencement of corporate reorganization proceedings has been determined and such proceedings are pending, (iii) commencement of civil rehabilitation proceedings (excluding simplified rehabilitation and consensual rehabilitation proceedings) has been determined and such proceedings are pending, or (iv) any other similar insolvency proceedings are made in any country other than Japan by an equivalent method set forth in (i) through (iii) above) occurs to the Issuer, a claim for the payment of principal and interest shall be subject to the conditions precedent that all claims having priority must be paid in full prior to the claim for the payment of principal and interest, and only when the conditions precedent are fulfilled shall the claim for the payment of principal and interest become effective. The payment of the principal and interest, etc., of the subordinated debt mentioned above has been secured by a subordinated guarantee by SMTB; however, a subordination clause is provided with respect to the claim for that guarantee.


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16 Description on subsequent call dates Subsequent call date: any interest payment date (March 4 and September 4) in September 2013 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)







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11 Original date of issuance May 28, 2008 12 Perpetual or dated Perpetual 13 Original maturity date - 14 Issuer call Applicable 15 First call date and redemption amount First call date: May 29, 2013









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11 Original date of issuance July 29, 2008 12 Perpetual or dated Dated 13 Original maturity date July 30, 2018 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 30, 2013



date (January 30 and July 30) in July 2013 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)






124




Subordination Special provisions are provided to the effect that, if any subordination event ((i) commencement of bankruptcy proceedings has been determined and such proceedings are pending, (ii) commencement of corporate reorganization proceedings has been determined and such proceedings are pending, (iii) commencement of civil rehabilitation proceedings (excluding simplified rehabilitation and consensual rehabilitation proceedings) has been determined and such proceedings are pending, or (iv) any other similar insolvency proceedings are made in any country other than Japan by an equivalent method set forth in (i) through (iii) above) occurs to the Issuer, a claim for the payment of principal and interest shall be subject to the conditions precedent that all claims having priority must be paid in full prior to the claim for the payment of principal and interest, and only when the conditions precedent are fulfilled shall the claim for the payment of principal and interest become effective. The payment of the principal and interest, etc., of the subordinated debt mentioned above has been secured by a subordinated guarantee by Sumitomo Mitsui Trust Bank Limited, a subsidiary of Sumitomo Mitsui Trust Holdings, Inc.; however, a subordination clause is provided with respect to the claim for that guarantee.


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11 Original date of issuance July 29, 2008 12 Perpetual or dated Dated 13 Original maturity date July 30, 2018 14 Issuer call Applicable 15 First call date and redemption amount First call date: July 30, 2013


Trigger for special early redemption and redemption amount Trigger: Tax event Redemption Amount: Par (100% of the aggregate principal amount (together with accrued interest to the date of redemption, if any))

16 Description on subsequent call dates Subsequent call date: any interest payment date (January 30 and July 30) in July 2013 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in July 2013: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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127









11 Original date of issuance September 25, 2008 12 Perpetual or dated Dated 13 Original maturity date September 26, 2018 14 Issuer call Applicable 15 First call date and redemption amount First call date: September 26, 2013









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11 Original date of issuance March 11, 2009 12 Perpetual or dated Dated 13 Original maturity date March 11, 2019 14 Issuer call Applicable 15 First call date and redemption amount First call date: March 11, 2014



date (March 11 and September 11) in March 2014 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)






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16 Description on subsequent call dates Subsequent call date: any interest payment date (June 26 and December 26) in June 2014 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in June 2014: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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16 Description on subsequent call dates Subsequent call date: any interest payment date (June 26 and December 26) in June 2014 and thereafter Redemption Amount: Par (100% of the aggregate principal amount)


Before the interest payment date in June 2014: Fixed rate Thereafter: Floating rate based on 6 month JPY LIBOR





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